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Are you looking for a guaranteed return on your investment? Our Certificates of Deposit are available in a variety of maturity term and rate structures to help match your investment goals. By investing in a Certificate of Deposit, you also have the peace of mind that your investment is FDIC insured to at least $250,000.00. Please contact us for more information on our CDs.
CD Specials |
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Certificates of Deposit |
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Annual Percentage
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Interest Rate |
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FFA/4-H 5 Month CD* |
3.00% |
2.97% |
7 Month CD** |
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$10,000.00 to $49,999.99 |
1.20% |
1.20% |
$50,000.00 to $95,000.00 |
1.30% |
1.30% |
A special treat for our current customers! |
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*Annual Percentage Yield for 3.00% with an Interest Rate of 2.97%. Minimum Daily Balance of $1.00 is required. No municipal or brokered deposits allowed. Interest will pay at maturity and will automatically renew for a term of 182 days. No add on. A penalty for early withdrawal is 30 days interest. You must be an active Future Farmers of America or 4-H Club Member to participate in this program. CD must be opened in the name of the tax identification number of the FFA/4-H Club Member. To receive the $50.00 gift, the $50.00 gift must be deposited into this CD or into another account held in the name of the FFA/4-H Club Member at The Eastern Colorado Bank when the CD is opened. Money deposited into this CD is limited to your individual proceeds from the individual prize awards and sales held during the 2010 County/State Fair along with the $50.00 gift. Proceeds amount will be verified with the proceeds check from the Sale. Limited time offer.
**For customers with an exisiting relationship with The Eastern Colorado Bank, you will receive a loyalty bonus. With the loyalty bonus, the Annual Percentage Yield is 1.20% and interest rate is 1.20% in the first tier and the second tier Annual Percentage Yield is 1.30% and the interest rate is 1.30%. Non customers will earn an Annual Percentage Yield of 1.15% and interest rate of 1.15% in the first tier and the second tier Annual Percentage Yield of 1.20% and interest rate of 1.20%. No municipal or brokered deposits allowed. Interest will not be compounded and will be paid at maturity. No add on. A penalty for early withdrawal is 90 days interest. Limited time offer.
For more information on the Certificates of Deposit please contact one of our branches.
Ladder CD
Do you have at least $100,000.00 to invest? Then we have a Certificate of Deposit product designed just for you! The Ladder CD offers a blend of liquidity and rate maximization. |
CD laddering is a way to protect against fluctuations in interest rates while giving the security of knowing that there will be access to a portion of the funds within a relatively short time frame. The Ladder CD Program involves investing in four (4) Certificates of Deposit with maturities every 182 days. The initial investment will have staggered maturities of 182 days, 12 months, 18 months, and 24 months. After the initial four investments, you may make additional investments in any variety of the four maturities to fit your needs. Each CD investment auto-renews into a 24 month CD to maintain the ladder. |
| (Click here for an informational flyer) |
| Contact us for more information and to learn if the Ladder CD is right for you. |
CDARS
CDARS is the Certificate of Deposit Account Registry Service. It's the easiest, most convenient way to enjoy full FDIC insurance on deposit amounts larger than $250,000.
One Bank
Everything is handled through our bank. Your large deposit is broken into smaller amounts and placed with other banks that are members of a special network. Then, those member banks issue CDs in amounts under $250,000, so that your entire investment is eligible for FDIC insurance. By working with just one bank - our bank - you can receive insurance from many.
One Rate
You earn one rate on your entire investment-so you can forget about multiple rate negotiations and the need to consolidate multiple disbursement checks.
One Statement
You receive one regular account statement including all of your CDs, along with their issuing banks, maturity dates, interest earned and other details. With CDARS, there's no need to manually consolidate statements, track changing collateral values or use private surety bonds.
To learn more about CDARS, please contact us.
